Volkswagen Golf R Insurance Rates

U.S. average insurance rates for a Volkswagen Golf R are $1,204 a year for full coverage. Comprehensive insurance costs approximately $226 each year, collision insurance costs $346, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,600 or more. 16-year-old drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,204

Price estimates by individual coverage:

Includes $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Golf R models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.

The ranges above show why all drivers should compare prices using their specific location, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below shows average Volkswagen Golf R insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $711
• Using higher $1,000 deductibles will save $130 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,204
• Buying low deductibles for physical damage coverage will cost an additional $250 annually
• High-risk insureds with multiple tickets or accidents could pay around $2,600
• The price that insures a 16-year-old driver can cost $4,682 or more

View Chart as Image

Insurance prices for a Volkswagen Golf R are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in has a huge impact on Volkswagen Golf R insurance prices. A driver around age 40 might see prices as low as $800 a year in states like Iowa, Maine, and Idaho, or at least $1,720 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $380 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Volkswagen Golf R Insurance

Getting lower rates on insurance for a Volkswagen Golf R requires not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop once a year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The following is a recap of the data that was touched on above.

• Drivers can save around $140 per year just by quoting online in advance
• Insureds who purchase higher liability limits will pay around $520 each year to increase from a low limit to the 250/500 level
• Teens are the costliest to insure, with premiums as much as $390 a month if comprehensive and collision insurance is included
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,400 more per year for Golf R insurance